Braces are not only for cosmetic purposes. Having crowded teeth makes it harder to properly clean gums, which could lead to harmful bacteria build up. Having straight, aligned teeth allows for better cleaning, better oral health and helps to prevent diseases.
The Canadian Association of Orthodontists says the best time to wear braces is in the early years, however they are effective for all ages. An overwhelming increase in the number of adults wearing braces is observed. Nowadays, many discreet options are available making braces a more attractive solution for adults. Read more about your braces options.
Visit an Orthodontist near you to discover the options for braces that are available and suitable for your lifestyle.
The cost of braces can vary greatly depending on the option you choose. It is common for the cost to exceed $3,000. According to the Canadian Association of Orthodontists typical coverage from a traditional group benefits plan is about 50%. Assuming your plan covers orthodontics, you need to confirm with your group benefits provider the maximum coverage amount, the maximum % coverage and your deductibles.
However, if you have a Health Spending Account 100% of the cost of braces is eligible without any deductibles! In addition, if your family has coverage through an existing group benefits plan, anything that is not covered under your existing plan is eligible under your HSA.
What is an HSA?
A Health Spending Account (HSA) is a tax efficient, cost effective solution for offering health benefits to your employees. There is a pre-determined list of eligible medical expenses that can be covered by Health Spending Accounts. Eligible expenses include:
and many more!
Learn more about our Health Spending Accounts!